SHASHI KANT MILLAN
State Bank of India
7
Years of experience
Results-driven management consultant with an IIM Lucknow MBA and five years of cross-functional experience in government advisory and financial transformation. Led the development of statewide grievance systems and ensured regulatory compliance, contributing to significant increases in digital product adoption. Skilled in addressing institutional bottlenecks to implement scalable public sector solutions.
Work History
4 Months
06.2026 - Current
4 Months
Assistant Vice President
State Bank of India | Jalandhar
06.2026 - Current
- Managed a ?40 million+ AUM portfolio for over 600 HNI clients and created bespoke asset allocation frameworks that aligned with their risk profiles and liquidity horizons.
10 Months
08.2025 - 06.2026
10 Months
Senior Research Fellow
Government of Punjab | Chandigarh
08.2025 - 06.2026
- Optimised citizen service delivery framework for Punjab State Traders Commission, streamlining grievance redressal process and reducing resolution timelines across 117 local constituencies.
- Coordinated with Revenue and Transport Departments to identify regulatory gaps, potentially preventing stamp duty evasion of over ?800,000.
- Designed Services & Grievance module for state Pensioners Sewa Portal, benefiting 310 thousand pensioners.
4 Years
06.2019 - 06.2023
4 Years
Manager
Punjab National Bank | Mumbai
06.2019 - 06.2023
- Catalysed 29% net profit growth (
- 85000 to
- 110,000 ) by optimising branch operations and eliminating bottlenecks.
- Led an 8-member team to achieve a 10% increase in cross-functional product sales.
- Expedited credit disbursements and bank guarantees, positively impacting 300+ households.
- Restructured debt for 63 high-risk customers, breaking debt cycles and enhancing their financial stability.
- Monitored a short-term agricultural credit portfolio worth
- 3.5 Million across 168 accounts.
- Led One-Time Settlement campaign for Lok Adalat, resolving 120 doubtful and loss accounts and improving recovery rates.
- Integrated and tested V-KYC modules; recommendations adopted by Head Office to enhance compliance and efficiency.
- Facilitated post-merger integration by executing Finacle X onboarding programmes across regional branches.
- Achieved 98% first-contact resolution by streamlining grievance redressal frameworks.
- Enhanced process transparency, driving a 2x surge in footfall and improving customer experience.
- Managed 24,790 accounts, reducing queuing time by 30% through operational efficiency.
- Increased MSME disbursals by 15% and deposits by 20% utilising market intelligence and competitor analysis.
- Averted estimated losses of
- 140,000 by disintermediating third parties and enhancing direct customer engagement.
- Empowered 1,100 rural women by operationalising 117 Self-Help Group (SHG) financial linkages.
- Championed digital transformation, increasing digital product adoption by 40% in rural sectors.
- Reduced account opening rejection rates from 12% to 4.5% across 566 branches through process standardisation.
- Optimised Turnaround Time (TAT) for onboarding to a maximum of T+1 day via workflow realignment.
- Executed strategic negotiations (ZOPA & BATNA) to regularise 255 irregular asset accounts.
- Awarded accelerated merit-based promotion in 33 months compared to the bank average of 68 months.
Education
MBA - Sustainable Management
Indian Institute of Management | 02.2025
GPA: 79.44%
B.Tech - Computer Science Engineering
JECRC | 01.2017
GPA: 6.95
Class XII – ICSE
St. Xavier's School | 01.2011
GPA: 77.75%
Class X – ICSE
St. Xavier's School | 01.2009
GPA: 91.60%
Skills
Sustainability | Government Advisory & Consulting | Stakeholder & Relationship Management | ESG/Sustainable Finance | HNI Wealth Management | Impact Measurement | Financial Inclusion | Credit Analysis | Client portfolio management
Certification
NISM VA, NISM XXI A(2026) | NISM & CRISIL certified ESG Risk Analyst (2025)| CFA Institute – Climate Finance for ESG | CAIIB | Moody's Commercial Credit | Leadership (IIM Ahmedabad) | Advanced Corporate Strategy (IIM Bangalore)
Accomplishments
- Secured 99.68 percentile in IBPS PO 2019 (out of 658,000 applicants) in the 1st attempt; received job offer from Ministry of Defence (CGDA Auditor); also cleared RAS (Prelims) and AFCAT.
- 1st Runner-up at National-level Sustainability Case Competition – Equinox – among 1,103 participants from top B-schools.
- Delivered keynote speech on Sustainability at Youth Conference 2024, NMIMS.
- Finalist in prestigious case competitions hosted by IIT Kharagpur and SP Jain Institute of Management & Research.
INTERNSHIP
- Intern – Financial Modelling | Centre for Study of Science, Technology, and Policy (CSTEP), Noida | 2024-04 – 2024-05
- Integrated financial modelling techniques with CPCB guidelines to optimise the cost structure of KPCL thermal power plants.
- Performed Levelised Cost of Electricity (LCOE) calculations to evaluate the financial impact of implementing cleaner air technologies.
Extracurricular Activities
- Authored top-rated SSRN paper 'UPSC Aspirants: The Hidden Cost of a Dream', indexed on Google Scholar (2025).
- Member, International Immersion Committee (IIC), IIM Lucknow, 2024 – Negotiated academic collaboration and exchange opportunities with 13 top European B-Schools.
- 1st Runner-up in Hindi Quiz at IIM Lucknow, showcasing literary and general knowledge skills (2023).
- Micro Observer (MO), Bihar Panchayat Elections, 2021 – Oversaw vote counting in three phases, contributing to fair electoral proceedings.
- Member, Preventive Vigilance Committee (PNB, 2023) – Instituted risk awareness protocols and identified Key Risk Indicators (KRIs), pre-emting 20+ potential fraud incidents.
Projects
Impact Investing Research | IIM Lucknow | 2024-07 – 2025-02, Investigated the rationale behind the use of diverse outcome metrics in sustainable finance instruments within the K–12 education sector., Analysed the influence of impact investing, blended finance, social impact bonds, and philanthropic models on educational outcomes., ESG Analysis | IIM Lucknow | 2024, Critically assessed HDFC's sustainability disclosures under GRI, TCFD, and BRSR frameworks, with a focus on ESG integration and climate risk alignment., GHG Accounting & Carbon Markets Research | Environemntors | 2023, Conducted in-depth secondary research on greenhouse gas (GHG) accounting methodologies, improved cook-stove initiatives, and carbon markets under VCS and Gold Standard frameworks.
Timeline
Assistant Vice President
State Bank of India
06.2026 - CurrentRead more
Senior Research Fellow
Government of Punjab
08.2025 - 06.2026Read more
Manager
Punjab National Bank
06.2019 - 06.2023Read more
Indian Institute of Management - MBA, Sustainable Management
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JECRC - B.Tech, Computer Science Engineering
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St. Xavier's School - Class XII – ICSE,
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St. Xavier's School - Class X – ICSE,
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